Good health is one perk of exercising. Saving money and earning points could be another. If health and wellness is a major spending category for you, why not bolster your points earnings by choosing to spend on credit cards with fitness perks?
Get statement credits when you become a member of popular fitness programs like Peloton, or simply earn bonus points when you use the right card to pay for your gym membership. Use this guide to find the best credit cards for fitness perks.
Chase Sapphire and Peloton
The Chase Sapphire cards are best known as high-earning travel and dining cards; however, they’ve added perks that will help you earn and save while you sweat.
The Chase Sapphire Reserve® will now let cardholders earn a statement credit of up to $120 when they sign up for Peloton Digital and All-Access memberships. Chase Sapphire Preferred® Card customers will be able to earn up to $60 on the same membership options.
Cardholders must make the purchase on their Chase Sapphire card to receive the bonus. Both of these promotions will be available until Dec. 31, 2021.
Plus, Chase added new Peloton perks in March including 5x-10x bonus points for new Peloton purchases.
» Learn more: The latest in travel news
AmEx and Equinox
When gyms started closing due to the COVID-19 crisis, Equinox released a virtual workout app to help members stay fit at home. The standard membership fee to use the app is $39.99 a month, but eligible AmEx cardholders can cut that number down (depending on which card they have).
You can earn up to $25 back each month on your Equinox app subscription if you carry The Platinum Card® from American Express. Cardholders with the Blue Cash Preferred® Card from American Express could be eligible to earn up to $10 back a month. These offers end June 30, 2021. Terms apply.
U.S. Bank and gym memberships or sporting goods
The U.S. Bank Cash+™ Visa Signature® Card offers 5% cash back on the first $2,000 you spend in two spending categories of your choice. One of those can be gym memberships and fitness clubs. Qualifying gyms include Equinox, 24 Hour Fitness, LA Fitness and Pure Barre, among others.
The card also offers sporting goods stores as a spending category you can select for 5% back each quarter. Retailers that qualify for this bonus include Cabela’s, REI, Dick’s Sporting Goods and Big 5.
The real strength of the U.S. Bank Cash+™ Visa Signature® Card is that it allows you to rotate your bonus categories on a quarterly basis. So if you’re planning to cancel your membership or slow down your fitness shopping, you can reapply your 5% quarterly bonus to another category, such as cell phone providers or internet and streaming services.
Hyatt and gym memberships
If you’re looking for a card that isn’t tied to a specific gym or exercise program, pick up a World of Hyatt Credit Card. In addition to a host of other perks, the credit card offers 2x points for every dollar you spend on gym or health club memberships.
However, your biggest earning potential is by enrolling in Exhale, a fitness and spa brand owned by Hyatt, with your World of Hyatt Credit Card. Eligible members can use their card to earn up to 4 bonus points for every dollar they spend at Exhale, including on fitness classes, spa treatments and subscriptions to Exhale on Demand. That’s on top of the 10 base points you can get as a World of Hyatt member.
» Learn more: Complete guide to Hyatt elite status
Amazon and home gyms
The Amazon Prime Rewards Visa Signature Card might be the perfect choice if you aren’t interested in joining any health club, but would rather build your own home gym. The card offers 5% cash back on all eligible purchases made on Amazon, which means you can get a discount on thousands of pieces of home exercise equipment like free weights, treadmills, yoga mats and even workout clothes.
If you’re interested in earning points for your fitness spending, but your spending doesn’t qualify for any of the perks or bonuses listed above, then you should consider a card that offers bonus points for all spending, regardless of category.
For instance, the Chase Freedom Unlimited® card offers 1.5 cents back for every dollar you spend on eligible purchases, and the Capital One Venture Rewards Credit Card offers 2 miles back for every dollar you spend.
» Learn more: The best travel credit cards right now
The bottom line
Good health is its own reward, but it won’t get you a seat upgrade or hotel suite unless you’re using the right card. Credit cards with fitness perks offer you a chance to earn back money and points as you work toward your wellness goals.
How to Maximize Your Rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2021, including those best for:
Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Bank of America® Travel Rewards credit card
Flat-rate travel rewards: Capital One Venture Rewards Credit Card
Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
Luxury perks: The Platinum Card® from American Express
Business travelers: Ink Business Preferred® Credit Card